35 Armstrong Ln, Morehead, KY 40351 Property Records

Rowan County property record for 35 Armstrong Ln, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,536 sqft · built 1960
Lot Size	0.179 acres (7,828 sqft)
Owner	Individual Name on Record
Tax Bill	$501 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Apr 2018 Mortgage
Flood Zone	Zone AE (high risk)
APN	`081-40 00 059.01`

Property Details

APN / Parcel Number

Primary APN	`081-40 00 059.01`
Alternative APNs	`560` `568` `583`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,536 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,828 sqft (0.179 acres)

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	583
Street Address	35 ARMSTRONG LN
City	MOREHEAD
State	KY
Zip	40351-9206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE & LOT ARMSTRONG LANE
Legal Subdivision	A J BLACK SUBDIVISION
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2022
Census Tract	950301

Owner

Source: Rowan County records, as of November 18, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	221 MEADOW LN, MOREHEAD, KY 40351-8403
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2018	Deed of Trust, Mortgage THE CITIZENS BANK
Apr 9, 2018	Deed of Trust, Mortgage THE CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 9, 2015
Transfer Doc	00D255/324
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	35 ARMSTRONG LN, MOREHEAD, KY 40351-9206
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00A393/351
Date	Apr 9, 2018
Book Page	A393/351
Instrument	408884

Lender

Name	THE CITIZENS BANK
Type	Bank
Address	MOREHEAD, KY 40351

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 23, 2033

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	35 ARMSTRONG LN, MOREHEAD, KY 40351-9206
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00A393/361
Date	Apr 9, 2018
Book Page	A393/361
Instrument	408886

Lender

Name	THE CITIZENS BANK
Type	Bank
Address	MOREHEAD, KY 40351

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Apr 23, 2023

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of November 18, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Rowan County
Unified School District	Rowan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$501.00 (-1.76%)	$59,950 (-) Land $10,000 Building $49,950	$59,950 (-) Land $10,000 Building $49,950
2023	$510.00	$59,950 Land $10,000 Building $49,950	$59,950 Land $10,000 Building $49,950

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 18, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	2 (2015–2018)
Most Recent Claim	Sep 2018 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 67% of Kentucky
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ROWAN WATER INC private · serves 18,765 people · EPA ID KY1030375
Water Source	Purchased surface water from MOREHEAD UTILITY PLANT BOARD
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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